I never brought blame into this. If someone brings blame into finance they’re fighting battles and making the very kinds of poor decisions that they espouse to abhor. We all have our savings journeys to make and I never brought mine into this. It was a simple question about bad advice I was given and wanting to verify that yes, it was bad advice. What I call Tory is the “faulty person finder” mindset. It’s zero-sum political bullsh*t that helps no one. To hell with fault, and all who seek it. Find out what works, and advocate for that. Processes, actions succeed & fail, not people.
I’m not going to personalise this only to say I could be out of a mental health break, a prison sentence, messy divorce, failed emigration attempt, family issues, or I could have just peed away everything I had down at Paddy Power. None of it is any concern of theirs, and irrelevant to the question asked. (For the record, none of the above actually apply.)
I’ve blocked them, and will block anyone else who wants to have a go at me for not mentioning my savings situation.
EDIT: and I’m blocking lifestory p*nis measuring contests. Not sharing my story, not interested in yours.